08-27-2011 07:32 PM
^^^^^^^OH!!OK Got it now!! THANKS!! Well at least it well help towards utilization.^^^^^^^
08-27-2011 08:32 PM
It may actually be a soft pull. I got a BB store card within the last month and just checked EX and TU this week and it does not show up on mine as a hard pull. However, I had a BB store card a number of years ago (always in good standing...I used it for financing deals and was never late and always paid off the balance before interest was charged). Anyway, I have a BB inq showing up as a soft pull.
So if you had a card in the past that was in good standing, then HSBC may do a soft pull.
08-27-2011 08:34 PM
08-27-2011 08:40 PM
IIRC (if I recall correctly), HSBC pulled Equifax for me when I got the store card. This could very well vary, though.
08-27-2011 08:43 PM
08-27-2011 08:52 PM
As others have said, it's worth the hard pull assuming you don't have a lot of inquiries on you right now. 2k limit + whatever money you saved by signing up for the card + 18 months no interest is pretty sweet!
08-27-2011 09:01 PM
A lot of people on whogavemecredit are saying EQ so maybe I need to check that one too, but it's showing up on EX for me.
Many, many lenders will soft you on one report but pull a hard for an actual app on another. That way they have more info on you, since many people have, errr, "prettier" reports with one CRA than another.
--and that happens both when you already are a customer, and when you don't have an account with them.
10-30-2011 12:28 AM
It is not a soft pull! HSBC does a hard inquiry that is reported to all 3 credit reporting agencies. I would bet that she had no idea what you were talking about.
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